M16S / HDFC Bank / 6E Rewards XL - IndiGo HDFC Bank Credit Card
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6E Rewards XL - IndiGo HDFC Bank Credit Card
The 6E Rewards XL - IndiGo HDFC Bank Credit Card costs Rs 1,500 a year. Its base return is 2% (2% 6E Rewards on other spends). Accelerated earn: 5% on IndiGo; 3% on dining, grocery, entertainment. The forex markup is 2.5%. Lounge visits in India: 8 per year (2 per quarter). Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 1,500+ GST
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 2.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC 6E Rewards XL card discontinued, features end Dec 2025
The Indigo HDFC Bank 6E Rewards and 6E Rewards XL cards are discontinued and not accepting new applications. All product features and benefits ended on 1 December 2025 and existing holders were migrated to another HDFC Bank card. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC 6E Rewards program phased out from Nov 2025
The 6E Rewards program was phased out from 1 November 2025. Unused 6E Rewards were auto-converted to IndiGo BluChip at 1:1 on that date. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 1,500 |
|---|---|
| Annual fee | Rs 1,500 |
| Fee notes | No spend-based waiver (MITC: NA). MITC marks the card discontinued. |
Rewards
| Welcome benefitunverified | Complimentary IndiGo ticket voucher worth Rs 3,000 and 6E Prime add-on |
|---|---|
| Reward currency | 6E Rewards |
| Base earnunverified | 2% 6E Rewards on other spends |
| Base return | 2% |
| Point value | 1 6E Reward = Re 1 on IndiGo bookings |
| Accelerated earn | 5% on IndiGo; 3% on dining, grocery, entertainment |
| Capsunverified | Dining/grocery/entertainment bonus capped at 2,000 points per statement |
| Spends that earn nothing | Wallet, gift/prepaid, vouchers, EMI, government, rent, cash advances |
| Points expiry | 24 months |
| Reward notes | Base return = 2% x Re 1, usable only on IndiGo. |
Travel and perks
| Domestic loungeunverified | 8 per year (2 per quarter) |
|---|---|
| International lounge | None |
| Forex markup | 2.5% |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Discontinued for new applicants |
| Fine-print notes | IndiGo has since moved to the BluChip programme; check how legacy 6E Rewards are treated. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the 6E Rewards XL - IndiGo HDFC Bank Credit Card?
- Rs 1,500 a year, before GST.
- Does the 6E Rewards XL - IndiGo HDFC Bank Credit Card give airport lounge access?
- Yes. In India: 8 per year (2 per quarter). Outside India: none listed.
- What is the forex markup on the 6E Rewards XL - IndiGo HDFC Bank Credit Card?
- 2.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the 6E Rewards XL - IndiGo HDFC Bank Credit Card?
- Wallet, gift/prepaid, vouchers, EMI, government, rent, cash advances